To view this fund's performance and other information, log in to NetBenefits.
Baylor College of Medicine 403(b) Tax Deferred Investment Plan
This Plan allows employees to contribute pre-tax contributions through payroll deductions. If you have not enrolled in the 403(b) Tax-Deferred Investment Plan within 45 days from your date of hire, you will be automatically enrolled in the Plan at a contribution rate of 3% of your pretax eligible earnings. Your contributions will be automatically invested in the State Street Target Retirement Funds Class K with Fidelity unless you choose another investment at Fidelity or TIAA.
View your investment options with Enroll Now
Below is a performance summary of all the investments in your plan available through Fidelity. Click on an investment to view quarter-end returns, risks, fees and expenses.
To view a performance summary of all the investments in your plan available through TIAA, click here.
These are products that can offer an easy-to-manage diversified portfolio in a single fund. They may contain many different asset classes, including stocks, bonds, and short-term investments. While different funds are arranged according to different asset allocations, what they all do is provide you with the opportunity to own a diversified portfolio with just one fund.
Depending on your retirement savings plan, there are two options to consider: Target Date Funds which are based on an anticipated retirement date and Target Allocation Funds that are based on a risk tolerance and time horizon.
Note: The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses. 1,2,3,4.
INVESTMENTS | ASSET CLASS | CATEGORY | AVERAGE ANNUAL TOTAL RETURNS | CUMULATIVE RETURNS | ||||||
---|---|---|---|---|---|---|---|---|---|---|
1 Yr |
3 Yr |
5 Yr |
10 Yr |
Life |
3 Mon |
YTD |
As of Date |
|||
FID EXTD MKT IDX
Inception Date 11/05/1997 |
Stock Investments |
N/A |
20.46% |
-0.65% |
10.64% |
8.91% |
8.46% |
6.34% |
9.99% |
08/31/2024 |
FID INTL INDEX
Inception Date 11/05/1997 |
Stock Investments |
N/A |
19.86% |
4.33% |
8.83% |
5.37% |
5.40% |
4.19% |
12.26% |
08/31/2024 |
STATE ST TR 2020 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
9.43% |
1.45% |
5.64% |
-- |
5.67% |
5.72% |
7.61% |
07/31/2024 |
STATE ST TR 2025 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
10.74% |
1.82% |
6.84% |
-- |
6.68% |
6.45% |
9.04% |
07/31/2024 |
STATE ST TR 2030 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
11.78% |
2.18% |
7.73% |
-- |
7.33% |
7.13% |
10.31% |
07/31/2024 |
STATE ST TR 2035 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
12.46% |
2.42% |
8.23% |
-- |
7.74% |
7.56% |
11.14% |
07/31/2024 |
STATE ST TR 2040 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
12.94% |
2.70% |
8.76% |
-- |
8.07% |
7.82% |
11.80% |
07/31/2024 |
STATE ST TR 2045 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
13.43% |
2.96% |
9.17% |
-- |
8.36% |
8.05% |
12.29% |
07/31/2024 |
STATE ST TR 2050 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
13.84% |
3.20% |
9.51% |
-- |
8.49% |
8.13% |
12.74% |
07/31/2024 |
STATE ST TR 2055 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
13.98% |
3.25% |
9.52% |
-- |
8.51% |
8.21% |
12.85% |
07/31/2024 |
STATE ST TR 2060 K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
13.99% |
3.26% |
9.53% |
-- |
8.50% |
8.24% |
12.82% |
07/31/2024 |
STATE ST TR INC K
Inception Date 09/30/2014 |
Blended Investments* |
N/A |
9.24% |
1.52% |
4.95% |
-- |
4.65% |
5.56% |
7.45% |
07/31/2024 |
FID US BOND IDX
Inception Date 03/08/1990 |
Bond Investments |
N/A |
7.21% |
-2.13% |
-0.07% |
1.61% |
5.09% |
4.83% |
3.13% |
08/31/2024 |
Core funds are designed to constitute the essential elements of your overall investment portfolio. Different fund companies define core funds differently, but typically these funds include several types of investments that are suitable for most investors, making it easier to get the investment exposure they want without buying a huge number of individual stocks, funds, or other securities.
You may choose from a range of fund choices that reflect different styles and goals.
Note: The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses. 1,2,3,4.
You may lose money by investing in a money market fund. Not all money market funds operate the same way and depending on the fund, you may be subject to certain operating policies and risks not applicable to other money market funds. Please click on the name of the fund below for risks specific to that fund.
INVESTMENTS | ASSET CLASS | CATEGORY | AVERAGE ANNUAL TOTAL RETURNS | CUMULATIVE RETURNS | |||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1 Yr |
3 Yr |
5 Yr |
10 Yr |
Life |
3 Mon |
YTD |
As of Date |
||||||||||
CREF INFL-LINK BD R4
|
Bond Investments |
N/A |
To view more information about this investment option, visit TIAA. |
-- |
-- |
-- |
-- |
-- |
-- |
|
|||||||
PIM TOTAL RT INST
Inception Date 05/11/1987 |
Bond Investments |
N/A |
6.75% |
-2.29% |
0.72% |
1.92% |
6.25% |
5.69% |
4.14% |
07/31/2024 |
|||||||
TIAA TRAD ANNUITY
Inception Date 06/01/2006 |
Bond Investments |
N/A |
To view more information about this investment option, visit TIAA. |
-- |
-- |
-- |
-- |
-- |
-- |
|
|||||||
VANG TOT BD MKT ADM
Inception Date 12/11/1986 |
Bond Investments |
N/A |
5.19% |
-2.66% |
0.21% |
1.59% |
5.12% |
5.05% |
3.05% |
07/31/2024 |
|||||||
FIMM GOVT INST
Inception Date 07/25/1985 7 day yield % as of 07/31/2024: 5.26 ** 7 day restated yield % as of 07/31/2024: 5.22 *** |
Short-Term Investments |
N/A |
5.40% |
3.37% |
2.21% |
1.54% |
3.37% |
1.33% |
3.56% |
08/31/2024 |
|||||||
VANG CR FED MM ADM
Inception Date 10/03/1989 7 day yield % as of 07/31/2024: 5.30 ** |
Short-Term Investments |
N/A |
5.44% |
3.26% |
2.23% |
1.63% |
3.00% |
1.34% |
3.56% |
07/31/2024 |
|||||||
CREF EQUITY INDEX R4
|
Stock Investments |
N/A |
To view more information about this investment option, visit TIAA. |
-- |
-- |
-- |
-- |
-- |
-- |
|
|||||||
CREF SOC CHOICE R4
|
Stock Investments |
N/A |
To view more information about this investment option, visit TIAA. |
-- |
-- |
-- |
-- |
-- |
-- |
|
|||||||
DODGE & COX INT SK X
Inception Date 05/01/2001 |
Stock Investments |
N/A |
7.03% |
5.47% |
8.04% |
3.96% |
7.01% |
4.62% |
9.64% |
07/31/2024 |
|||||||
DODGE & COX STOCK X
Inception Date 01/04/1965 |
Stock Investments |
N/A |
18.49% |
9.18% |
13.54% |
11.20% |
11.26% |
8.10% |
15.62% |
07/31/2024 |
|||||||
FID 500 INDEX
Inception Date 02/17/1988 |
Stock Investments |
N/A |
27.12% |
9.37% |
15.90% |
12.97% |
11.00% |
7.39% |
19.51% |
08/31/2024 |
|||||||
FID CONTRAFUND K6
Inception Date 05/25/2017 |
Stock Investments |
N/A |
38.25% |
9.53% |
17.98% |
-- |
16.58% |
6.75% |
28.46% |
08/31/2024 |
|||||||
FID DIVERSFD INTL K6
Inception Date 05/25/2017 |
Stock Investments |
N/A |
20.58% |
1.06% |
9.36% |
-- |
7.29% |
4.86% |
14.37% |
08/31/2024 |
|||||||
FID GROWTH CO K6
Inception Date 06/13/2019 |
Stock Investments |
N/A |
35.07% |
7.79% |
23.60% |
-- |
22.95% |
6.07% |
26.10% |
08/31/2024 |
|||||||
FID MID CAP STOCK K6
Inception Date 06/13/2019 |
Stock Investments |
N/A |
17.81% |
7.21% |
12.60% |
-- |
12.10% |
5.17% |
12.21% |
08/31/2024 |
|||||||
LKCM SM CAP EQ INST
Inception Date 07/14/1994 |
Stock Investments |
N/A |
14.58% |
2.03% |
10.68% |
9.02% |
10.45% |
7.45% |
8.91% |
07/31/2024 |
|||||||
LZRD EMRG MKTS EQ IS
Inception Date 07/15/1994 |
Stock Investments |
N/A |
13.28% |
4.15% |
5.53% |
2.17% |
6.24% |
5.93% |
12.06% |
07/31/2024 |
|||||||
PIF GLB RL EST IS
Inception Date 10/01/2007 |
Stock Investments |
N/A |
8.40% |
-4.56% |
1.14% |
3.82% |
3.47% |
11.16% |
8.83% |
07/31/2024 |
|||||||
Inception Date 10/02/1995 |
Stock Investments |
N/A |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
-- |
|||||||
VAN EM MKT ST IDX IS
Inception Date 05/04/1994 |
Stock Investments |
N/A |
6.73% |
-1.25% |
4.23% |
2.99% |
6.00% |
5.26% |
9.56% |
07/31/2024 |
|||||||
VANG TOT INTL STK AD
Inception Date 04/29/1996 |
Stock Investments |
N/A |
9.81% |
1.70% |
6.74% |
4.47% |
4.95% |
5.99% |
10.72% |
07/31/2024 |
|||||||
VANG TOT WLD STK ADM
Inception Date 06/24/2008 |
Stock Investments |
N/A |
16.70% |
5.55% |
11.11% |
8.87% |
7.59% |
8.39% |
15.29% |
07/31/2024 |
|||||||
FID BALANCED K
Inception Date 11/06/1986 |
Blended Investments* |
N/A |
19.90% |
5.34% |
12.15% |
9.65% |
9.60% |
5.50% |
13.47% |
08/31/2024 |
|||||||
STATE ST TR 2065 K
Inception Date 03/30/2020 |
Blended Investments* |
N/A |
13.99% |
3.25% |
-- |
-- |
13.84% |
8.20% |
12.82% |
07/31/2024 |
|||||||
VANG BAL INDEX INST
Inception Date 11/09/1992 |
Blended Investments* |
N/A |
14.69% |
3.79% |
8.70% |
8.30% |
8.36% |
8.02% |
12.13% |
07/31/2024 |
Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.
If you have not enrolled in the 403(b) Tax-Deferred Investment Plan within 45 days from your date of hire, you will be automatically enrolled in the Plan at a contribution rate of 3% of your pretax eligible earnings. Your contributions will be invested in the State Street Target Retirement Funds Class K. However, you are encouraged to take an active role in the Plan and to choose a contribution rate and investment options that are appropriate for you. If you do not wish to contribute to the Plan, you must change your contribution rate to 0% within the first 45 days of your Employment. You may change your contribution rate by logging into NetBenefits® at any time, or contacting Fidelity at 800-343-0860, Monday through Friday (excluding New York Stock Exchange holidays) between 8:30 a.m. - 8:00 p.m. Eastern time.
Through automatic payroll deduction, you may contribute up to 88% of your eligible pay on a pretax basis to the 403(b) Plan, up to the annual IRS dollar limits.
Please carefully consider your contribution percentage. If the balance of your salary after health care deductions (and other deductions as applicable) is not equal to or greater than your desired 403(b) percentage, then 0% will be contributed to the 403(b). Partial deductions are not permitted. The Internal Revenue Code provides that the combined annual limit for total plan contributions is 100% of your W2 compensation or the IRS maximum annual contributions, whichever is less.
Click here to view the current year's contribution limits.
A Roth contribution to your retirement savings plan allows you to make after-tax contributions and take any associated earnings completely tax free at retirement - as long as the distribution is a qualified one. A qualified distribution, in this case, is one that is taken at least five tax years after your first Roth 403(b) contribution and after you have attained age 59˝, or become disabled or die. Through automatic payroll deduction, you can contribute between 0% and 88% of your eligible pay as designated Roth contributions, up to the annual IRS dollar limits.
If you have been working for at least 15 years and have contributed less than $5,000 a year, on average, to your retirement savings plan, you may be able to make additional "catch-up" contributions to your plan. Click here to view the "Lifetime" Catch up Limits.
Also, if you are age 50 or older, or will turn 50 during the calendar year January 1 - December 31 and are making the maximum plan deferral, you may make an additional "catch-up" contribution each pay period. Click here to view the current year limits.
Effective Jan. 2, 2018, an administrative fee of $8.50 per quarter per Plan ($34 per year, per Plan) will be charged to each participant with a balance in each Plan with Fidelity. The quarterly participant fee of $8.50 pays for a portion of the plan administration costs. This fee will be deducted from your plan account on the last business day of each quarter and will appear on your quarterly statement under fees. Plan administrative expenses may include legal, accounting, trustee, recordkeeping, and other administrative fees and expenses associated with maintaining the Plan. The $8.50 fee is a flat amount and is applied only once per quarter per plan regardless of the number of funds in which you are invested. This fee is subject to change.
When you are "vested" in your savings, it effectively means the money is yours to keep. You are always 100% vested in all contributions you make to your plan, as well as any earnings on them.
Your beneficiary or beneficiaries will inherit your account in the event of your death. You should consider identifying a beneficiary when you enroll in your plan, and updating the information if you experience a life-changing event such as a marriage, divorce, birth of a child, or death in the family.
If you have an account with Fidelity, login to Fidelity NetBenefits®, go to 'Profile' in the navigation bar at the top of your NetBenefits® page and click on the 'Summary tab' and then 'Beneficiaries'.
TIAA: Call 800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
Although your plan account is intended for the future, you may borrow from your account for any reason. To learn more about or request a loan, log on to NetBenefits® or call the Fidelity Retirement Benefits Line at 1-800-343-0860.
Information about loans initiated from your TIAA account is available at http://www1.tiaa-cref.org/tcm/baylormedicine/enrollnow/index.htm.
Online, on the phone, or in person, you have access to your account the way you want it. Log in online to NetBenefits® virtually 24/7 or call Fidelity at 1-800-343-0860 to speak with a representative or use the automated voice response system.
TIAA: Call 800-842-2252 or log in to your account by selecting TIAA in the drop down box at the top of the page under Your Account and follow the prompts to the TIAA website.
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Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available, summary prospectus containing this information. Read it carefully.
** The current yield of the money market mutual fund listed above reflects the current earnings of the fund, while the total return refers to a specific past holding period.
*** The yield without applicable waivers or reimbursements, whenever Fidelity is subsidizing all or a portion of the fund's expenses as of the current reporting period. Absent such waivers or reimbursements, the returns would have been lower. Waivers and/or reimbursements may be discontinued any time.
Investing involves risk, including risk of loss.
Footnotes 1, 2, 3 and 4 below pertain to the performance tables located on the Investment Options tab:
1 Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. Investing in stock involves risks, including the loss of principal.
2Total returns are historical and include change in share price and reinvestment of dividends and capital gains, if any. These figures do not include the effect of sales charges, if any, as these fees are waived for contributions made through your retirement plan. If sales charges were included, returns would have been lower. Life of fund figures are from the inception date to the period shown. For unitized funds, the inception date shown may be that of the fund's underlying investment option. For non-mutual fund pools and trusts whose strategies may be offered to multiple clients, and whose returns may be based on a composite, the inception date shown may be the beginning date of the composite's returns.
3In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible.
4Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.
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